What if you could use just one platform to detect all types of major financial crimes?
One platform to handle the analytical tasks of fraud detection, including:
Data processing and aggregation
Data visualization
Statistical/mathematical/machine learning modeling
Batch/real-time scoring
One platform that could successfully reduce complex and time-consuming fraud investigations by combining extremely different domains of knowledge including Business, Economics, Finance, and Law. A platform that can cover payments, credit card transactions, and know your customer (KYC) processes, as well as similar use cases like anti-money laundering (AML), trade surveillance, and crimes such as insurance claims fraud.
Learn more about TIBCO's comprehensive software capabilities behind tackling all these types of fraud in this in depth whitepaper.

AA Ireland specializes in home, motor, and travel insurance and provides emergency rescue for people in their homes and on the road, attending to over 140,000 car break downs every year, 80% of which are fixed on-the-spot.
“In each of the last five years, the industry lost a quarter billion in motor insurance," says Colm Carey, chief analytics officer. "So, there's a huge push for new data, models, ways to segment and pick profitable customer types—and get a lot more sophisticated. Our goal is to optimize pricing, understand the types of customers we're bringing, and the types we're trying to attract. We would like to tie that across the business. Marketing will run a campaign, trying to attract a lot of customers, but maybe they're not the right type. "We wanted to step away from industry standard software and go with something that was powerful and future-proof. In 2016, we had an opportunity to analyze all software.
We chose the TIBCO® System of Insight with TIBCO BusinessWorks™ i

FINANCIAL SERVICES’ HISTORY OF DISRUPTION
Financial Services is an industry driven by disruption. Transformative business models such as low-cost brokerages, innovative investment products like ETFs, and the huge regulatory mandates like Gramm-Leach-Bliley are but a few examples. Here are some others:
• New fintech firms such as a recent nine billion dollar investment in Ant Financial Services Group and myriad other venture capital-led fintech startups targeting well established segments across the financial services industry
• Robo-advisor services powered by artificial intelligence and machine learning intermediating financial advisors and portfolio managers alike
• Ever changing regulatory and risk management mandates, such as GDPR, Basel III, and Open Banking, transforming customer engagement and capital allocation
Read this whitepaper to learn how you can overcome these and other disruptions.

The biggest headache for most payment operations teams is cost control — and a large part of it comes from fraud management:
Investigation teams waste large amounts of time just assembling the data needed to make decisions.
Detection engines are always playing catchup with the latest fraud patterns.
Ever changing regulations increase the time and cost required to reach compliance and meet audit standards.
Given their scope and impact, replacing core fraud systems is not an option for most firms. But instead of replacing them, you can improve the investigative process with augmented investigation, and improve the detection process by enhancing current systems.
This whitepaper describes three ways financial services firms can use TIBCO solutions to lower the cost of investigations through faster results, reduce fraud losses through better detection, and simplify audit and regulatory compliance through centralized access to information.

Connected Intelligence in Insurance
Insurance as we know it is transforming dramatically, thanks to capabilities brought about by new technologies such as machine learning and artificial intelligence (AI).
Download this IDC Analyst Infobrief to learn about how the new breed of insurers are becoming more personalized, more predictive, and more real-time than ever.
What you will learn:
The insurance industry's global digital trends, supported by data and analysis
What capabilities will make the insurers of the future become disruptors in their industry
Notable leaders based on IDC Financial Insights research and their respective use cases
Essential guidance from IDC

First Citizens Bank & Trust Company is a chartered commercial bank offering a complete line of financial services. With over 200 point-to-point applications and disparate systems, the bank needed a way to reduce its applications portfolio and streamline integration among systems, including fast integration of systems from newly acquired banks. First Citizens turned to TIBCO ActiveMatrix BusinessWorks™ and TIBCO® Messaging for their simplicity and ability to quickly get IT processes up and running. With standard services, this transformation resulted in reduced deployment time—from eight months to 18 weeks, resulting in reduced credit card loan project time.

Fraud is one of the biggest overheads for most financial firms. Detecting crime is hard as fraud constantly evolves and the tools have to be able to evolve with it. Also one of the key areas of focus for most firms is to address the cost of handling the false positives that all automated systems generate.
Watch this short demonstration to learn how TIBCO’s advanced analytics and data science solutions can help you overcome these challenges.

The Insurance industry continues to undergo significant transformation, with
new technologies, business models, and competitors entering the market at an
increasing rate. To be successful in attracting and retaining the most valuable
customers, insurance companies must innovate and increase the speed at which
they respond to customer demands. Traditionally, the insurance software market
was dominated by a handful of specialist vendors with products that were initially
expensive, difficult to deploy, costly to maintain, and did not provide the speed
needed for today’s market.
Now there has been a shift away from these “black box” applications to platforms
that allow insurers to make their algorithmic IP available to business users, allowing
much faster response to business demands. The algorithmic platform approach also
comes at a fraction of the cost of black box solutions, while delivering advanced
analytical techniques like Machine Learning and Artificial Intelligence (AI).

As an insurer, the challenges you face today are unprecedented. Siloed and heterogeneous existing systems make understanding what’s going on inside and outside your business difficult and costly. Your systems weren’t set up to take advantage of, or even handle, the volume, velocity, and variety of new data streaming in from the internet of things, sensors, wearables, telematics, weather, social media, and more. And they weren’t designed for heavy human interaction. Millennials demand immediate information and services across digital channels. Can your systems keep up?

Global producer of polycrystalline silicon for semiconductors, Hemlock Semiconductor needed to accelerate process optimization and eliminate cost. With TIBCO® Connected Intelligence, Hemlock achieved centralized, self-service, governed analysis; revenue gains; cost savings; and more.
Fueled by double-digit growth in the markets it serves, Hemlock Semiconductor is adapting to the increasing commoditization within the polysilicon industry and better positioning itself to compete. A key factor in this plan is to equip process-knowledgeable personnel with the skills and tools to accelerate delivery of process optimizations and associated cost elimination.
Hemlock turned to a TIBCO® Connected Intelligence solution to address the challenges. By implementing TIBCO Spotfire® and TIBCO® Streaming analytics, TIBCO® Data Science, and TIBCO® Data Virtualization, the company created more self-service analytics. Adding TIBCO BusinessWorks™ integration let the company realize the vision of connect

The insurance industry stands on the precipice of change, with waves of innovation and disruption driving new possibilities across all departments, including pricing, underwriting, claims, and fraud.
This webinar recording of a live panel debate is ideal for insurance professionals wanting to understand how best to unlock the possibilities created by advanced analytical techniques such as Artificial Intelligence (AI), Machine Learning (ML), and others.
This TIBCO and Marketforce webinar on “The Fourth Industrial Revolution in Insurance” includes speakers Ian Thompson, chief claims officer at Zurich; David Williams, chief underwriting officer at AXA; and Clare Lunn, GI fraud director at LV=. The panel discusses:
Moving towards the algorithmic insurer: the opportunities created by AI and ML
How insurers can become more agile in the face of new innovations and disruptive technologies
How the industry can turn structured and unstructured data into insights

The Insurance industry continues to undergo significant transformation, with new technologies, business models, and competitors entering the market at an increasing rate. To be successful in attracting and retaining the most valuable customers, insurance companies must innovate and increase the speed at which they respond to customer demands. Traditionally, the insurance software market was dominated by a handful of specialist vendors with products that were initially expensive, difficult to deploy, costly to maintain, and did not provide the speed needed for today's market.
Now there has been a shift away from these "black box" applications to platforms that allow insurers to make their algorithmic IP available to business users, allowing much faster response to business demands. The algorithmic platform approach also comes at a fraction of the cost of black box solutions, while delivering advanced analytical techniques like Machine Learning and Artificial Intelligence (AI).

AA Ireland specializes in home, motor, and travel insurance and provides emergency rescue for people in their homes and on the road, attending to over 140,000 car break downs every year, 80% of which are fixed on-the-spot.

Euler Hermes is the world's leading provider of trade credit insurance. Its credit and accounts-receivable insurance enables companies of all sizes to trade with confidence at home or abroad. Its credit intelligence network enables analysis of the financial stability of more than 40 million businesses across the globe.

In an industry driven to deliver alpha, where might financial services firms find
opportunities when investing in application innovation?
The answer is data.
Every financial services firm understands the importance of data. More is better.
Sooner is better. Accessing it, understanding it, and taking advantage of it before
the competition is better. That’s how data delivers alpha.

Blockchain in Financial Services is receiving a lot of attention, especially for synchronizing financial agreements between institutions. But how can blockchain be used outside of this context? Can it apply to use cases such as identity, fraud, and AML?
Watch this short webinar to hear how blockchain can be used to solve other key issues facing the industry, about research into consensus algorithms beyond proof of work, and about myths and truths that must be considered for a successful enterprise blockchain implementation.
Speaker: Nelson Petracek, CTO, TIBCO Software

In this podcast, Mark Hudson, event processing specialist in the office of the chief technology officer at TIBCO Software, discusses current financial industry challenges and the smartest ways of dealing with them. He explores the key elements missing from most of today’s solutions, and analyzes the business costs of regulation. Mark also explains how trade surveillance compares to market risk and payment surveillance and shares TIBCO’s uniquely effective approach to the industry.
Podcast produced and edited by EM360.

Every financial services firm understands the importance of data. More is better. Sooner is better. Accessing it, understanding it, and taking advantage of it before the competition is better.
In the mid-2000s, Financial Services was the first industry to strongly adopt data virtualization as a disruptive, new technology for accessing and integrating more data, faster and more easily than ever before.
Buy and sell side groups at the largest institutions led the charge, followed soon after by risk management and compliance units. The leading mutual fund providers, along with hedge funds, led the next wave of adoption. In recent years, commercial banks and insurers have accelerated their use of data virtualization. And today, analyst firms such as Gartner, Inc. and Forrester project continued data virtualization adoption for both first-time use at new firms and expanded deployments at existing sites.
This whitepaper provides 10 examples of TIBCO Data Virtualization enabled applications f

First Citizens Bank
First Citizens Bank & Trust Company is a chartered commercial bank offering a complete line of financial services, including personal and business banking, investment and insurance services, wealth management, and more.

MoneyLIVE’s annual survey of over 600 banking professionals found that traditional banks face a significant challenge when it comes to building AI-powered customer journeys.
75% believe that as the use of AI intensifies, banks will struggle to recruit the necessary expertise.
84% fear regulatory and liability issues surrounding AI.
Just 7% think their organization’s use of AI is highly sophisticated.
But for banks to keep pace with challengers and FinTechs, it’s crucial that they harness this continually evolving technology.
Download this chapter of MoneyLIVE's The Future of Retail Banking Report 2018/19 now and understand how TIBCO’s Connected Intelligence Platform, with the use of AI and machine learning algorithms, can help with banks’ digital transformation needs.

Digital Transformation of America's largest family controlled financial services institution with a history dating back to three generations. Learn how the role of data changed at the bank during a continued evolution of customer experience. First Citizens Bank has been using TIBCO's integration and advanced analytics technology to provide a seamless, consistent, customer self-service experience, to tackle fraud, or to provide more accurate and proactive financial services.

Fraud affects more than just your customers, it fundamentally destroys your reputation and has significant impact on your bottom line. In the first half of 2018, financial fraud from payment cards, cheques and remote banking totaled £358m in the UK alone, resulting from over a million incidents, an increase of more that 50% over the last 4 years.
Have a look at this interesting Infographic to find out more.

For years, manufacturers have been trying to streamline processes and associated supply chains by building marketplaces, standardized exchanges, and monolithic systems. In many cases, these solutions missed the mark, resulting in fragmented and brittle processes without easy data sharing.
Blockchain, the underlying technology behind Bitcoin and other cryptocurrencies, can potentially solve these problems. Sharing information via a trusted distributed network with embedded business logic offers many benefits for manufacturing, especially when combined with the IoT and AI communities.
Watch this webinar: Blockchain & Manufacturing: A Smarter Way to Drive Efficiency in the Semiconductor and Electronics Supply Chains, with speaker Nelson Petracek, chief technology officer, TIBCO Software.